> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.mercoa.com/embedded-ap-ar/home/payment-methods/overview/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.mercoa.com/_mcp/server.

## [API Reference](/api-reference/entity/payment-method/create)

#

Payment Methods are used as funding sources and disbursement for payments in Mercoa. Some payment methods can only be used as a funding source, others can only be used as a disbursement, and some can be used for both.

If you are using your own payment rails, you will need to follow the [bring your own payments](/common-concepts/payment-methods/bring-your-own-payments) guide to set up your payment methods.

The following table shows the available payment methods and their capabilities.

| Payment Method                                                 | Funding Source | Disbursement Method | Available |
| -------------------------------------------------------------- | -------------- | ------------------- | --------- |
| [Bank Account](/common-concepts/payment-methods/bank-accounts) | Yes            | Yes                 | Yes       |
| [Wallet](/common-concepts/payment-methods/wallet)              | Yes            | Yes                 | Yes       |
| Credit/Debit Card                                              | Yes            | No                  | Yes       |
| [Check](/common-concepts/payment-methods/checks)               | No             | Yes                 | Yes       |
| BNPL                                                           | Yes            | No                  | Soon      |
| Virtual Card                                                   | No             | Yes                 | Later     |